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Elena A. is a married woman who supports her family with her bakery, rolling store selling dried fish, and her hog raising. She lives in Brgy Man-uling Cuayan, Negros Occidental with her 47-year-old husband, Benigno, who also manages the rolling store for dried fish and with their 6 children who are all school-age.

Elena has been a member of NWTF-Project Dungganon since 1990 and has improved her living conditions with the help of her loans from NWTF and through her own efforts. By working hard in her bakery, rolling dried fish store, and hog-raising businesses, she is gradually making her family more economically stable. She now earns an average monthly income of Php 9,000.

Elena is now borrowing Php 25,000 so that she can expand her bakery, rolling dried fish store, and hog raising businesses. This will be her 21st loan from NWTF-Project Dungganon. Her previous loan of Php 25,000, which she paid off within its term, was just another step in her journey towards economic freedom. Elena aspires to elevate her family’s living conditions and ensure their future well-being by following the “Dungganon” way.

About NWTF:

In a world full of challenges, Negros Women for Tomorrow Foundation (NWTF), is making a difference in the lives of thousands of women through Project Dungganon (a Hiligaynon word that means Honorable). Through the alleviation program, NWTF is empowering these women to progress out of earning less than $1 a day to achieving realities that surpass even their dreams. They have taken a life path that will ultimately make them Dungganon - a title of esteem that is bestowed to a member of a community who has earned the respect through a lifetime of hard and honest work.

Additional Information

More information about this loan

On Friday November 8, 2013, Super Typhoon Haiyan made its way through Southeast Asia, causing substantial damage to homes and businesses in areas of the Philippines. Given the state of devastation following this storm, borrowers living and working in these areas may have difficulty making repayments on their loans, thus making their Kiva loans higher risk. More information >>

About Negros Women for Tomorrow Foundation

Negros Women for Tomorrow Foundation, Inc. (NWTF) is a non-governmental organization established with an aim to help men and women achieve self-sufficiency, particularly in the province of Negros Occidental’s low-income communities. The organization offers its clients a wide variety of products, including loans for micro-entrepreneurs, hospital income benefits, life insurance, accidental death benefits and more. Kiva lenders’ funds will be used to expand the reach of these products to low-income urban and rural communities.

About Philippines

  • $7,000
    Average annual income
  • 1036
    View loans »
    Philippines Loans Fundraising
  • $63,519,425
    Funds lent in using Kiva
  • 46.1
    Philippines Pesos (PHP) = $1 USD

Success!! The loan was 100% repaid

A loan of $550 helped Elena additional working capital.
100% repaid
Repayment Term
5 months (Additional Information)
Repayment Schedule
Feb 10, 2010
Mar 2, 2010
Currency Exchange Loss:
Jun 15, 2010